At SEB, our goal is to make life easier for you – a simpler everyday life, one that lets you pursue your goals and dreams. That’s why we always take a holistic view when we go through your future plans together with you. Together, we can set the course for a more sustainable financial situation so you can live the way you want – for an entire lifetime.
With us, you get an individual mortgage rate that you yourself can help influence. The more regular savings and pension savings you have with SEB, the higher the discount you can get on your interest rate. The discount is deducted from our list price.
With our Enkla Vardagen package, you get the most common banking services completely free of charge for one year, at a value of 600 kronor. With this package, you also get favourable discounts on insurance and legal advice from our partners.
With SEB Invited, you get 1% cashback on everything you buy and favourable purchase and travel insurance. It’s all free of charge for one year when you apply for a new card, at a value of 1,800 kronor. Call us to apply and get your discount.
The more you have in your SEB savings account, the more favourable your interest rate can be. Interest rates follows a staircase model based on how much money you have in your savings account, with each step providing a higher interest rate.
Our fund list contains more than 400 funds with different strategies, managed by both SEB’s fund management company and other financial operators. Filter based on your interest and risk appetite, or get recommendations from our experts.
In our app, you can trade shares in Sweden and the Nordic region from just 1 krona in commission, and in the rest of Europe from 10 kronor. Plus, you’ll get access to company analyses and sustainability data that can help you make informed investment decisions. Trading in financial instruments poses a risk.
Boost your future pension with your own savings. With the endowment insurance fund Pensionsspar, you can choose funds yourself or get help from SEB Bot Advisor, the advisory robot that gives you individual advice while you save.
If you become ill or unemployed, loan protection provides security by covering all or part of your borrowing costs. You can also enable your loved ones to settle all or part of your loan in the event of your death.
Save money using our energy tool while contributing to a more sustainable environment. Analyse your home’s energy consumption and see what improvements you can make. You can also borrow money to become more energy efficient, at a special price.
When you consolidate a major portion of your finances with us, you get more benefits – a better savings account interest rate, higher interest rate discount on your mortgage, and exclusive discounts and benefits. For those who consolidate their mortgage and savings with us, we offer three benefit levels – Plus, Premium and Platinum.
Want to pay for a new home but have funds still tied up in your current home? Then a temporary bridging loan can help.
If you want to become a customer with a mortgage, you start by applying for a mortgage guarantee. We will then contact you and follow up on your application together. If you need help completing your application, contact us at the number below.
If you want to become a customer without a mortgage, you can apply online. After that, you can call us and tell us that you want to take advantage of the offer.
Call us! We are available 24/7 to help you.
Life is unpredictable, and changes affecting your personal finances can happen at any time. Whether you’re combining households, starting a new business, or dealing with the loss of a loved one, we’re here to help you navigate the financial implications of these events.
¹ Information regarding the Swedish Deposit Guarantee Scheme
The account is covered by the state deposit guarantee scheme according to a decision of the Swedish National Debt Office. Each customer is guaranteed compensation for their total account balance with the bank up to SEK 1,050,000. In addition to this amount, the customer may receive compensation for certain enumerated events, e.g. sale of a private residence, severance pay, insurance indemnification in an amount not to exceed five million Swedish kronor. The Swedish National Debt Office pays the compensation within seven business days from the date on which the bank is placed into bankruptcy or the Swedish Financial Supervisory Authority ordered the guarantee to commence.
How the deposit insurance works (Swedish National Debt Office).
Example: If you borrow 1 million kronor
With a loan amount of 1,000,000 kronor, a straight-line amortisation of 50 years, an interest rate of 4.49% and automatic repayment, the effective interest rate is 4.58%. The first monthly payment is then 5,409 kronor.
If the interest rate does not change over the loan’s amortisation period of 50 years, the total amount you will pay is 2,124,147 kronor before tax deductions. After a tax deduction of 30%, the total amount is 1,786,903 kronor. In this case, there are 600 payment instalments. Keep in mind that if you receive your salary in a currency other than Swedish kronor, the amount you have to pay back can be affected by exchange rate fluctuations.
The credit is provided by Skandinaviska Enskilda Banken AB (publ), 106 40 Stockholm, corporate identity number 502032-9081. To borrow money, you need to have an account and use online banking with SEB. Your home is used as collateral for the loan.
² A bridging loan is a temporary loan for people who want to pay for a new home while waiting for funds to become available that are tied up in their current home. Free bridging loan is valid until 31 December 2024 for those who take out their new mortgage in SEB. All borrowers need to have mortgages, packages with banking services (Enkla vardagen) and savings or retirement savings in SEB.
Example of a typical bridging loan
With a loan amount of 1,000,000 kronor to be repaid in full at the end of the loan term, a maturity of 6 months, an interest rate of 0%, a setup fee of 0 kronor and a notification fee of 0 kronor assuming that automatic payments are used, the effective interest rate will be 0%. The total amount to pay during the term of the loan is 1,000,000 kronor. There is one payment instalment. Interest rate as of 1 January 2024. The interest rate is fixed throughout the term of the loan.